Your Policy Summary - Cover4Travel.com

Your Policy Summary
Some important facts about your insurance are summarised below. This summary does not describe all the terms and
conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.
Insurer
White Horse Insurance Ireland Limited.
Cover4travel.com is a trading style of UK & Ireland Insurance Services (Online) Limited. UK & Ireland Insurance Services (Online)
Limited is authorised & regulated by the Financial Services Authority.
Type of cover
This is a travel policy that, subject to the terms, conditions and exclusions contained in the policy booklet, provides certain
financial protection and medical assistance for your trip(s).
Period of Insurance
The policy you have purchased will run for the period of insurance shown on your certificate.
Your right to cancel this policy
We hope that you are happy with the cover this policy provides. However, if after reading the policy documentation, this
insurance does not meet your requirements, please return it within 14 days of issue and we will refund your premium, provided
no claims exist & travel has not taken place. Thereafter you may cancel the policy at any time; however no refund of premium
shall be made.
How to make a claim
If you need to make a claim, please obtain a claim for no later than 31 days after the event by:
• Telephoning White Horse Administration Services Limited on 0871 664 7995, or
• Writing to White Horse Administration Services Ltd, PO Box 5633, Walsall, WS6 9BB
Please quote reference WHIIL/Cover4travel/06/2012 in all correspondence.
How to complain
It is the intention to give you the best possible service but if you do have any questions or concerns about this policy or the
handling of a claim you should contact us as follows:
Complaint regarding sales service:
Write to: Complaints Officer, Cover4travel.com, UK & Ireland Insurance Services (online) Limited, The Stables, Old Co-op Yard,
Warwick Street, Manchester, M25 3HB. Tel: 0844 826 2031. E-mail: customerservices@cover4insurance.com
If you are still not satisfied with our decision after following this procedure, you may then write to The Financial Services
Ombudsman’s Bureau contact details are listed below.
Complaint regarding a claim:
Write to: The General Manager, White Horse Insurance Ireland Limited Travel House, Free Zone West, Shannon, Co. Clare,
Republic of Ireland.
If you are still not satisfied with our decision after following this procedure, you may then write to:
The Financial Services Ombudsman’s Bureau, Third Floor Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland
Tel: 00353 (1) 6620 899, Fax: 00353 (1) 6620 890
Please quote your insurance policy number and your claim number in all your correspondence to all parties involved with this
procedure. This procedure is intended to provide you with a prompt and practical service with any complaints that you may have
Please note the Financial Services Ombudsman’s Bureau will not consider your complaint until a final response letter has been
issued.
Features & benefits automatically included Policy Section
Medical Your policy contains certain exclusions relating to pre-existing medical conditions that MEDICAL SCREENING
conditions affects you or your travelling companions. Please ensure you read the MEDICAL QUESTIONS Page 4
existing prior to SCREENING QUESTIONS and general exclusions in your policy wording. and ‘General Exclusions
purchasing this applicable to all sections
policy of the policy’ page 35
Age Limits There are different age limits under the policy according to the type of policy purchased. ‘Read me first’ Page 2
Residency This policy is only available to you if you are permanently resident in the United Kingdom. ‘Read me first’ Page 2
Hazardous sports You are only covered under the policy for claims arising from the activities listed within the ‘Policy Definition’
& activities definition of hazardous sports & leisure activities on page 8 of your policy booklet, unless Page 8
you have contacted cover4travel.com and paid any additional premium prior to travel.
You maybe covered when participating in certain winter sports if you have paid to extend ‘Wintersports’ Policy
your cover. Definition Page 11,
Cover pages 23-26
Law & Jurisdiction The Insurer chooses the laws of the Republic of Ireland and, in the absence of any ‘Read me first’ Page 2
agreement to the contrary, the laws of the Republic of Ireland shall apply.
Sections of Cover Significant features & benefits Policy limits & exclusions applying to Page
significant covers
SECTION A1 Provides cover for travel, To be able to claim, the reason why the Pages 12
CANCELLATION & CURTAILMENT accommodation, excursions, car hire & trip is being cancelled or cut short must
activities that have been pre paid or you be necessary & unavoidable and must
Policy Type Sum Insured (up to) are contracted to pay for and cannot get fall into one of the reasons listed in the
Silver Nil back if you cancel or cut short your trip Policy.
Gold £750
An excess will apply for claims made Page 5
Platinum £3,000
under this section, refer to the
Longstay £1,500 Schedule of Benefits.
SECTION B1 & B2 Provides cover for costs arising in the To be able to claim, the medical Pages
EMERGENCY MEDICAL EXPENSES & event of illness, injury or death during treatment must be required in an 13-14
REPATRIATION the trip & where necessary the provision emergency and be unable to wait until
of medical assistance. you have returned to the UK. Medical
Sum Insured (up to) cover does not apply to treatment
Policy
Type Medical received in your country of residence.
Repatriation
Expenses
Silver £2m £500,000 An excess will apply for claims made Page 5
under this section, refer to the
Gold £5m £1m Schedule of Benefits.
Platinum £10m £2m
Longstay £5m £500,000
SECTION D Provides cover for your own personal To be able to claim, a written report is Pages
PERSONAL POSSESSIONS possessions & baggage if they are lost, required to support the loss, theft or 15-16
stolen or damaged during your trip. You damage.
Policy Type Sum Insured (up to) will be expected to provide evidence of
Silver Nil ownership & value (such as receipts) in The amount payable will include an
Gold £500 the event of a claim allowance for wear & tear and loss of
value. Your policy has a limit for each
Platinum £2,000
single item (this includes a pair or set).
Longstay £1,000 Your policy has a limit for valuables
overall. Valuables are not covered if they
are left in an unattended vehicle or are
outside your control in transit at any
time.
An excess will apply for claims made Page 5
under this section, refer to the
Schedule of Benefits.
There are several items which are not Pages
considered to be personal Possessions, 9-10
please refer specifically to the definition
SECTION D3 Provides cover for currency notes & To be able to claim, cash must be kept Page 16
PERSONAL MONEY coins lost or stolen during your trip. You with you at all times or be in a locked
will be expected to provide evidence of safety deposit facility. A written police
Policy Type Sum Insured (up to) ownership & value in the event of a report must be obtained within 24 hours
Silver Nil claim. to support the loss/theft.
Gold £100
An excess will apply for claims made Page 5
Platinum £150
under this section, refer to the
Longstay £200 Schedule of Benefits.
Compensation scheme
White Horse Insurance Ireland Limited is covered by the Financial Services Compensation Scheme. If White Horse Insurance
Ireland Limited cannot meet their obligations you may be entitled to compensation from The Financial Services Compensation
Scheme. The Insurance Compensation Fund provides funds for liquidators so that they may pay the valid claims of insolvent
insurers. The fund will provide an amount up to £2,000 or 90% of the net loss, whichever is less. You can get more information
about compensation fund arrangements from www.fscs.org.uk.